How often should you check your credit report for errors?

You should check your credit report at least once a year, though many financial experts recommend reviewing it every four months by staggering requests across the three major bureaus: Equifax, Experian, and TransUnion. You're entitled to one free report from each bureau annually through AnnualCreditReport.com. If you're planning a major purchase like a home or car, check it several months in advance so you have time to dispute any errors. You should also review it after a data breach, if you suspect identity theft, or if you notice unexpected changes in your credit score. Catching errors early can prevent damage to your creditworthiness and save you from higher interest rates.